Your real money month
Start on the day you are paid, whether that is monthly, weekly, fortnightly or every four weeks. Every outgoing lands in the period where it actually affects you.
Personal finance, by pay day
See the month before you spend it.
PayroScope is a pay-cycle budgeting app. It shows what will still be there after rent, cards, subscriptions and everything else has had its turn.
Built around your pay cycle
Your data stays yours
No bank connection required
26 Aug — 25 Sep
Your current money month
Left after bills£1,226.02
26 AugSalary+ £3,200.00
27 AugRent− £950.00
01 SepCouncil tax− £148.00
06 SepTrain pass− £96.00
12 SepEnergy− £124.00
19 SepCredit card− £180.00
24 SepPhone− £35.98
That means £40.86 a day is safe to spend.
One timelineIncome, bills, cards and loans in date order
Your pay dayThe month begins when your money actually arrives
A future balanceKnow the low point before you reach it
The PayroScope Pro difference
Private MCP access Pro
Let your AI assistant work from the real numbers.
Connect a compatible assistant to PayroScope through a private, OAuth-protected MCP server. It can read your live plan, answer questions in context and mark an exact payment paid or unpaid when you ask.
- 01 Your assistant sees only projects your account can access.
- 02 Access requires an active Pro plan and an authorized MCP token.
- 03 Write actions are narrow: payment status changes, with the item and date made explicit.
PayroScope MCPConnected
No broad account access. No bank credentials shared.
Why PayroScope is different
A calendar first.
A calculator second.
Most finance apps organise the past. PayroScope is for the awkward stretch between this pay day and the next one—the part where timing matters as much as totals.
Balance, day by day
See the running balance after each payment—not one optimistic total that ignores what is still due.
Messy bills welcome
Override a variable payment for one month, split it across dates, or add something unexpected without rewriting the plan.
Borrowing in context
Loans, instalment plans and credit-card minimums sit beside everyday bills, on the dates they leave your account.
Made for households, too
Keep separate projects for personal money, a shared household or another budget. Invite the people who need the same view without mixing every account together.
Your first ten minutes
Three facts in.
A calmer month out.
Choose your pay day
That date becomes the first day of your money month, so every forecast matches the rhythm of your life.
Add what repeats
Salary, rent, subscriptions, loans and cards. Add each one once; PayroScope places future occurrences for you.
Check the low point
Follow the running balance, mark payments as they clear, and see what is genuinely available before next pay day.
Enough detail, no busywork
It remembers the plan. You handle the exceptions.
A
Regular income
Salary raises can begin on a chosen date, so old periods stay accurate.
B
Recurring payments
Change one month, split a bill, skip an occurrence or mark it paid.
C
Payment plans
Enter the purchase once and put every instalment in the right month.
D
Loans and cards
Track balances, APR, minimums and repayment progress alongside cash flow.
E
One-off spending
Add the thing you did not plan for and see its effect immediately.
Questions, answered
The practical bits.
Does PayroScope connect to my bank?
Connected banking is a limited private pilot for approved accounts, supported banks and separate private projects. A Pro subscription does not grant pilot access. If you are eligible, you can link through a read-only connection. Your bank handles sign-in; PayroScope receives only the accounts, balances and transactions you approve, and cannot make payments or move money. You can also enter balances and payments manually.
What if a bill changes every month?
Keep its normal amount as the default, then override a single month whenever the real figure arrives.
Can two people manage the same budget?
Yes on PayroScope Pro. Invite a partner as an editor or a read-only viewer, so both of you work from the same current plan without sharing a password.
What happens when I look at an earlier period?
PayroScope re-evaluates that period using the plan you have now while retaining recorded paid and skipped occurrence state. It is useful retrospective planning, not an immutable accounting ledger.
Can I use more than one currency?
Yes. Choose a project base currency and record supported currencies. PayroScope fetches reference exchange rates and shows when they were last refreshed.
Give next month fewer surprises.
Open your current money month and see what is already spoken for.